The problem is, you did all your disputes verbally, by phone, so whoever (minimum wage clerk) was answering, just punched into the computer system the nearest thing to your complex issue, which was ID fraud, and/or card theft.

This generated a new account, new card etc. IF you had disputed the CHARGE in WRITING as you should have, and PAID the disputed amount, there woukd have been no problem. They would have been required by law to investigate the overcharge, and refund your overpayment plus additional interest charge to you.